Dave Labs Royalty Visa Card limits holders to 5,000

The card also arrives alongside a broader push into tokenized finance. Dave Labs said buyers must purchase $2,500 of DAVE tokens to qualify for the Royalty Card, and the company framed the product as part of a “revenue ecosystem” that could expand as its user base grows. That gives the launch a dual appeal: it is both a consumer finance product and a way to keep users inside the company’s wider digital economy.

The timing is notable. Consumer fintech remains highly competitive, with established names like Visa and Mastercard controlling the rails and a crowded field of digital banks, BNPL platforms and wallet providers fighting for user attention. A card that promises lifetime rewards and status is Dave Labs’ attempt to stand out, not just on price or convenience, but on ownership. That kind of positioning can help a small player attract early adopters, especially if the product feels scarce and exclusive.

Still, investors should keep the long game in view. The promise of a 1% revenue share only becomes attractive if transaction volume rises meaningfully, and token-linked products can be volatile when enthusiasm fades. The opportunity is real if Dave Labs can turn the card into a sticky financial habit rather than a one-time collectible. For long-term investors, this is worth watching as a test of whether fintech’s next growth phase comes from utility, loyalty and recurring economics — not just app downloads and promotional cash back.